STEWART INFORMATION SERVICES CORP (STC)
Q1-CY2026Q4-CY2025Q3-CY2025Q2-CY2025Q1-CY2025Q4-CY2024Q3-CY2024Q2-CY2024Q1-CY2024Q4-CY2023Q3-CY2023Q2-CY2023Q1-CY2023Q4-CY2022Q3-CY2022Q2-CY2022Q1-CY2022Q4-CY2021Q3-CY2021Q2-CY2021Q1-CY2021Q4-CY2020Q3-CY2020Q2-CY2020Q1-CY2020Q4-CY2019Q3-CY2019Q2-CY2019Q1-CY2019Q4-CY2018Q3-CY2018Q2-CY2018Q1-CY2018Q4-CY2017Q3-CY2017Q2-CY2017Q1-CY2017Q4-CY2016Q3-CY2016Q2-CY2016Q1-CY2016Q4-CY2015Q3-CY2015Q2-CY2015Q1-CY2015Q4-CY2014Q3-CY2014Q2-CY2014Q1-CY2014
Balance Sheet Date2025-Dec-312025-Sep-302025-Jun-302025-Mar-312024-Dec-312024-Sep-302024-Jun-302024-Mar-312023-Dec-312023-Sep-302023-Jun-302023-Mar-312022-Dec-312022-Sep-302022-Jun-302022-Mar-312021-Dec-312021-Sep-302021-Jun-302021-Mar-312020-Dec-312020-Sep-302020-Jun-302020-Mar-312019-Dec-312019-Sep-302019-Jun-302019-Mar-312018-Dec-312018-Sep-302018-Jun-302018-Mar-312017-Dec-312017-Sep-302017-Jun-302017-Mar-312016-Dec-312016-Sep-302016-Jun-302016-Mar-312015-Dec-312015-Sep-302015-Jun-302015-Mar-312014-Dec-312014-Sep-302014-Jun-302014-Mar-31
Fiscal PeriodQ4-FY2025Q3-FY2025Q2-FY2025Q1-FY2025Q4-FY2024Q3-FY2024Q2-FY2024Q1-FY2024Q4-FY2023Q3-FY2023Q2-FY2023Q1-FY2023Q4-FY2022Q3-FY2022Q2-FY2022Q1-FY2022Q4-FY2021Q3-FY2021Q2-FY2021Q1-FY2021Q4-FY2020Q3-FY2020Q2-FY2020Q1-FY2020Q4-FY2019Q3-FY2019Q2-FY2019Q1-FY2019Q4-FY2018Q3-FY2018Q2-FY2018Q1-FY2018Q4-FY2017Q3-FY2017Q2-FY2017Q1-FY2017Q4-FY2016Q3-FY2016Q2-FY2016Q1-FY2016Q4-FY2015Q3-FY2015Q2-FY2015Q1-FY2015Q4-FY2014Q3-FY2014Q2-FY2014Q1-FY2014
Total Revenue790,555,000$796,916,000$722,181,000$611,984,000$665,932,000$667,941,000$602,230,000$554,315,000$582,169,000$1,180,534,000$1,076,272,000$524,305,000$655,909,000$717,615,000$849,239,000$852,916,000$961,671,000$836,727,000$818,809,000$688,586,000$736,731,000$595,696,000$516,105,000$445,774,000$512,712,000$559,508,000$472,075,000$398,519,000$469,934,000$507,640,000$492,869,000$437,229,000$525,664,000$501,569,000$485,452,000$443,039,000$525,764,000$553,210,000$489,437,000$438,229,000$497,403,000$555,705,000$531,906,000$448,871,000$522,319,000$508,097,000$446,838,000$393,576,000$
QoQ%(.80%)10.35%18.01%(8.10%)(.30%)10.91%8.64%(4.79%)(50.69%)9.69%105.28%(20.06%)(8.60%)(15.50%)(.43%)(11.31%)14.93%2.19%18.91%(6.54%)23.68%15.42%15.78%(13.06%)(8.36%)18.52%18.46%(15.20%)(7.43%)3.00%12.73%(16.82%)4.80%3.32%9.57%(15.73%)(4.96%)13.03%11.69%(11.90%)(10.49%)4.47%18.50%(14.06%)2.80%13.71%13.53%(12.58%)
YoY%18.71%19.31%19.92%10.40%14.39%(43.42%)(44.05%)5.72%(11.24%)64.51%26.73%(38.53%)(31.80%)(14.24%)3.72%23.87%30.53%40.46%58.65%54.47%43.69%6.47%9.33%11.86%9.10%10.22%(4.22%)(8.85%)(10.60%)1.21%1.53%(1.31%)(.02%)(9.34%)(.81%)1.10%5.70%(.45%)(7.98%)(2.37%)(4.77%)9.37%19.04%14.05%16.02%(5.35%)(13.61%)(7.11%)
Cost Of Revenue22,967,000$19,546,000$21,454,000$17,702,000$20,657,000$21,282,000$21,090,000$17,383,000$20,555,000$22,251,000$19,802,000$17,674,000$21,628,000$25,486,000$26,398,000$29,221,000$33,556,000$30,345,000$33,569,000$28,773,000$46,624,000$28,427,000$21,541,000$18,632,000$28,891,000$21,059,000$18,786,000$15,686,000$12,333,000$21,503,000$18,697,000$18,981,000$25,941,000$25,428,000$24,462,000$20,701,000$24,535,000$26,365,000$17,153,000$23,093,000$27,672,000$25,883,000$19,577,000$33,134,000$31,284,000$9,084,000$18,170,000$22,767,000$
Gross Profit767,588,000$777,370,000$700,727,000$594,282,000$645,275,000$646,659,000$581,140,000$536,932,000$561,614,000$1,158,283,000$1,056,470,000$506,631,000$634,281,000$692,129,000$822,841,000$823,695,000$928,115,000$806,382,000$785,240,000$659,813,000$690,107,000$567,269,000$494,564,000$427,142,000$483,821,000$538,449,000$453,289,000$382,833,000$457,601,000$486,137,000$474,172,000$418,248,000$499,723,000$476,141,000$460,990,000$422,338,000$501,229,000$526,845,000$472,284,000$415,136,000$469,731,000$529,822,000$512,329,000$415,737,000$491,035,000$499,013,000$428,668,000$370,809,000$
Gross Margin97.10%97.55%97.03%97.11%96.90%96.81%96.50%96.86%96.47%98.12%98.16%96.63%96.70%96.45%96.89%96.57%96.51%96.37%95.90%95.82%93.67%95.23%95.83%95.82%94.37%96.24%96.02%96.06%97.38%95.76%96.21%95.66%95.07%94.93%94.96%95.33%95.33%95.23%96.50%94.73%94.44%95.34%96.32%92.62%94.01%98.21%95.93%94.22%
Operating Expenses210,228,000$200,556,000$188,677,000$176,233,000$174,619,000$171,126,000$167,489,000$152,335,000$142,770,000$146,869,000$144,861,000$135,649,000$160,131,000$165,275,000$176,296,000$203,499,000$224,890,000$161,731,000$144,615,000$131,912,000$135,965,000$103,675,000$78,674,000$76,089,000$99,387,000$93,520,000$91,826,000$83,145,000$94,601,000$97,032,000$92,107,000$86,501,000$102,399,000$95,067,000$95,227,000$84,696,000$103,092,000$101,125,000$93,798,000$96,017,000$103,686,000$107,391,000$105,296,000$95,880,000$102,996,000$102,156,000$94,219,000$72,132,000$
Operating Income
Operating Margin
Interest Income
Interest Expenses5,632,000$4,898,000$4,953,000$4,961,000$5,146,000$4,899,000$4,812,000$5,058,000$4,960,000$5,054,000$4,875,000$4,849,000$4,932,000$4,553,000$4,507,000$4,412,000$3,071,000$712,000$682,000$567,000$549,000$562,000$622,000$892,000$972,000$1,080,000$1,124,000$1,164,000$1,153,000$1,076,000$673,000$974,000$966,000$963,000$712,000$817,000$825,000$797,000$661,000$779,000$571,000$601,000$486,000$438,000$590,000$1,101,000$883,000$662,000$
Income Before Tax51,726,000$61,172,000$46,776,000$5,900,000$35,368,000$42,792,000$29,005,000$7,146,000$18,779,000$27,064,000$25,174,000$(10,156,000$)20,751,000$45,511,000$86,779,000$79,611,000$114,067,000$116,446,000$129,456,000$74,002,000$83,873,000$76,343,000$49,020,000$9,270,000$3,780,000$91,061,000$29,352,000$(7,226,000$)19,687,000$24,775,000$31,321,000$(3,255,000$)17,455,000$18,597,000$33,147,000$5,865,000$23,019,000$38,808,000$41,913,000$(15,712,000$)3,104,000$(5,568,000$)31,032,000$(18,875,000$)16,041,000$42,820,000$11,536,000$(18,586,000$)
Tax Expenses10,811,000$12,975,000$11,141,000$484,000$8,156,000$9,123,000$7,940,000$936,000$5,675,000$9,134,000$5,392,000$(4,938,000$)2,488,000$10,783,000$19,894,000$17,699,000$23,442,000$23,051,000$30,616,000$16,880,000$19,540,000$16,058,000$11,340,000$1,896,000$717,000$21,393,000$7,027,000$(2,442,000$)4,828,000$4,371,000$5,601,000$(1,294,000$)(615,000$)4,686,000$10,993,000$(144,000$)2,826,000$9,041,000$14,386,000$(6,648,000$)(2,085,000$)4,859,000$10,407,000$(7,531,000$)1,911,000$16,760,000$2,789,000$(7,958,000$)
Net Income40,915,000$48,197,000$35,635,000$5,416,000$27,212,000$33,669,000$21,065,000$6,210,000$13,104,000$17,930,000$19,782,000$(5,218,000$)18,263,000$34,728,000$66,885,000$61,912,000$90,625,000$93,395,000$98,840,000$57,122,000$64,333,000$60,285,000$37,680,000$7,374,000$3,063,000$69,668,000$22,325,000$(4,784,000$)14,859,000$20,404,000$25,720,000$(1,961,000$)18,070,000$13,911,000$22,154,000$6,009,000$20,193,000$29,767,000$27,527,000$(9,064,000$)5,189,000$(10,427,000$)20,625,000$(11,344,000$)14,130,000$26,060,000$8,747,000$(10,628,000$)
Profit Margin5.18%6.05%4.93%.89%4.09%5.04%3.50%1.12%2.25%1.52%1.84%(1.00%)2.78%4.84%7.88%7.26%9.42%11.16%12.07%8.30%8.73%10.12%7.30%1.65%.60%12.45%4.73%(1.20%)3.16%4.02%5.22%(.45%)3.44%2.77%4.56%1.36%3.84%5.38%5.62%(2.07%)1.04%(1.88%)3.88%(2.53%)2.71%5.13%1.96%(2.70%)
TTM4.46%4.16%3.82%3.43%3.54%3.08%2.00%1.68%1.36%1.48%2.27%4.17%5.91%7.52%8.94%9.94%10.28%10.18%9.88%8.65%7.40%5.24%5.79%5.15%4.65%5.37%2.86%3.01%3.09%3.17%2.85%2.68%3.08%3.18%3.89%4.15%3.41%2.70%.67%.31%.20%.63%2.46%1.95%2.05%2.45%1.97%3.01%
Earnings to Minority4,638,000$3,938,000$3,713,000$2,339,000$4,471,000$3,573,000$3,722,000$3,080,000$4,289,000$3,931,000$3,967,000$2,972,000$4,949,000$5,294,000$5,225,000$4,015,000$5,127,000$4,732,000$4,021,000$2,886,000$4,660,000$4,376,000$3,534,000$2,197,000$3,096,000$3,560,000$3,019,000$1,982,000$3,487,000$2,851,000$3,342,000$1,819,000$3,012,000$2,967,000$3,586,000$1,922,000$3,493,000$3,392,000$3,928,000$2,130,000$(17,910,000$)3,040,000$3,519,000$1,104,000$(14,845,000$)2,343,000$2,468,000$1,478,000$
Earnings to Common Shareholders36,277,000$44,259,000$31,922,000$3,077,000$22,741,000$30,096,000$17,343,000$3,130,000$8,815,000$13,999,000$15,815,000$(8,190,000$)13,314,000$29,434,000$61,660,000$57,897,000$85,498,000$88,663,000$94,819,000$54,236,000$59,673,000$55,909,000$34,146,000$5,177,000$(31,000$)66,108,000$19,306,000$(6,766,000$)11,373,000$17,553,000$22,378,000$(3,780,000$)15,060,000$10,944,000$18,568,000$4,087,000$16,700,000$26,375,000$11,599,000$(11,195,000$)2,605,000$(13,467,000$)17,106,000$(12,448,000$)11,863,000$23,717,000$6,279,000$(12,106,000$)
QoQ%(18.04%)38.65%937.44%(86.47%)(24.44%)73.53%454.09%(64.49%)(37.03%)(11.48%)293.10%(161.51%)(54.77%)(52.26%)6.50%(32.28%)(3.57%)(6.49%)74.83%(9.11%)6.73%63.74%559.57%16,800.00%(100.05%)242.42%385.34%(159.49%)(35.21%)(21.56%)692.01%(125.10%)37.61%(41.06%)354.32%(75.53%)(36.68%)127.39%203.61%(529.75%)119.34%(178.73%)237.42%(204.93%)(49.98%)277.72%151.87%(169.13%)
YoY%59.52%47.06%84.06%(1.69%)157.98%114.99%9.66%138.22%(33.79%)(52.44%)(74.35%)(114.15%)(84.43%)(66.80%)(34.97%)6.75%43.28%58.58%177.69%947.63%192,593.55%(15.43%)76.87%176.52%(100.27%)276.62%(13.73%)(79.00%)(24.48%)60.39%20.52%(192.49%)(9.82%)(58.51%)60.08%136.51%541.08%295.85%(32.19%)10.07%(78.04%)(156.78%)172.43%(2.83%)(32.26%)53.92%(76.66%)(477.49%)
Earnings Per Share, Basic1.27$1.58$1.14$0.11$0.82$1.09$0.63$0.11$0.32$0.51$0.58$(0.30$)0.49$1.09$2.28$2.15$3.18$3.30$3.54$2.03$2.23$2.22$1.44$0.22$0.00$2.80$0.82$(0.29$)0.48$0.75$0.95$(0.16$)0.64$0.47$0.79$0.17$0.71$1.13$0.50$(0.48$)0.11$(0.58$)0.72$(0.52$)0.50$1.07$0.28$(0.54$)
Earnings Per Share, Diluted1.25$1.55$1.13$0.11$0.80$1.07$0.62$0.11$0.32$0.51$0.58$(0.30$)0.49$1.08$2.26$2.11$3.13$3.26$3.50$2.01$2.22$2.21$1.44$0.22$0.00$2.78$0.81$(0.29$)0.48$0.74$0.95$(0.16$)0.64$0.46$0.79$0.17$0.71$1.12$0.49$(0.48$)0.11$(0.58$)0.72$(0.52$)0.44$0.96$0.25$(0.54$)
Unlevered FCF Per Share, Basic3.14$3.31$1.91$(1.08$)2.45$2.75$0.77$(1.08$)1.44$2.18$1.29$(1.88$)0.91$1.80$3.08$1.29$4.95$3.98$3.84$1.77$5.05$3.61$2.60$(0.48$)2.50$4.90$1.33$(1.69$)1.72$1.54$1.54$(1.23$)2.56$1.34$1.52$(0.82$)2.52$1.95$2.15$(1.36$)0.64$1.37$(1.12$)2.04$
Unlevered FCF Per Share, Diluted3.08$3.25$1.89$(1.06$)2.40$2.70$0.75$(1.06$)1.42$2.15$1.28$(1.88$)0.91$1.78$3.05$1.27$4.87$3.92$3.80$1.76$5.03$3.59$2.59$(0.48$)2.47$4.87$1.32$(1.69$)1.69$1.53$1.54$(1.23$)2.54$1.34$1.51$(0.81$)2.52$1.93$2.14$(1.36$)0.65$1.36$(1.12$)1.81$
Average Shares, Basic28,513,00028,004,00027,931,00027,828,00027,720,00027,688,00027,592,00027,512,00027,368,00027,348,00027,255,00027,201,00027,129,00027,113,00027,018,00026,960,00026,881,00026,873,00026,798,00026,736,00026,730,00025,148,00023,656,00023,638,00023,619,00023,616,00023,614,00023,595,00023,562,00023,556,00023,546,00023,508,00023,455,00023,448,00023,444,00023,433,00023,372,00023,371,00023,365,00023,348,00023,276,00023,286,00023,624,00023,990,00023,863,00022,267,00022,476,00022,506,000
Average Shares, Diluted29,078,00028,491,00028,330,00028,341,00028,276,00028,200,00028,013,00028,027,00027,785,00027,650,00027,444,00027,201,00027,280,00027,371,00027,293,00027,444,00027,327,00027,238,00027,123,00026,984,00026,850,00025,297,00023,756,00023,749,00023,886,00023,773,00023,758,00023,595,00023,908,00023,699,00023,625,00023,508,00023,635,00023,564,00023,620,00023,569,00023,370,00023,611,00023,559,00023,348,00023,105,00023,286,00023,795,00023,990,00026,823,00024,663,00024,848,00022,506,000
EBIT57,358,000$66,070,000$51,729,000$10,861,000$40,514,000$47,691,000$33,817,000$12,204,000$23,739,000$32,118,000$30,049,000$(5,307,000$)25,683,000$50,064,000$91,286,000$84,023,000$117,138,000$117,158,000$130,138,000$74,569,000$84,422,000$76,905,000$49,642,000$10,162,000$4,752,000$92,141,000$30,476,000$(6,062,000$)20,840,000$25,851,000$31,994,000$(2,281,000$)18,421,000$19,560,000$33,859,000$6,682,000$23,844,000$39,605,000$42,574,000$(14,933,000$)3,675,000$(4,967,000$)31,518,000$(18,437,000$)16,631,000$43,921,000$12,419,000$(17,924,000$)
EBITDA72,565,000$81,461,000$66,879,000$26,183,000$56,064,000$63,171,000$49,015,000$27,588,000$39,338,000$48,532,000$45,577,000$9,599,000$40,758,000$64,131,000$105,574,000$97,771,000$131,130,000$126,302,000$136,957,000$80,999,000$90,202,000$82,049,000$53,703,000$14,393,000$9,820,000$97,835,000$36,251,000$(72,000$)27,163,000$32,072,000$38,148,000$3,953,000$24,902,000$26,138,000$40,300,000$13,060,000$31,160,000$46,687,000$49,914,000$(6,627,000$)11,960,000$2,666,000$38,792,000$(11,332,000$)24,787,000$50,542,000$17,474,000$(13,529,000$)